The ExamOne integrated supply chain is a single-source requirement acquisition solution for managing all underwriting requirements. It is the foundation of our straight-through process. Agents electronically collect the amount of information desired using a short ticket of full Part I e-application. ExamOne electronically collects Part II information and any remaining Part I information, producing an “in-good order” application with data output specified by you, the client.

Our most recent blog discussed how we can help simplify the life insurance buying process. This blog is dedicated to how the call center simplifies the process. The interview is a one-stop-shop with a continuum of services designed to improve the underwriting process and reduce cycle time, such as reflexing additional lab requirements, reflex to APS retrieval and reflex to the prescription database.

When an applicant applies for life insurance, they must complete a health history interview. During this part of the process, applicants either call in to our call center or receive an outbound call and are asked a series of questions determined by the home office. By using our call center, it relieves the agent of having to ask these questions face-to-face with their applicant. Some applicants don’t feel comfortable answering personal health and family questions with an agent, who may be their next door neighbor or friend. They feel more comfortable disclosing this information to a third party source. The phone interviews offer the applicant the ability to spend less time completing the application by answering the questions once and offer the convenience of a toll free number with a wide choice of call times.

At the end of the interview, applicants can agree to voice signature. This offers several benefits:

  • It eliminates the need for the examiner to capture the signature during the exam
  • Reduces the possibility of missed signatures on the paperwork
  • If an exam is needed, the interviewer can schedule it at the end of the interview with the applicant already on the phone, reducing another call to the applicant
  • The scheduling system allows the interviewer to offer the applicant what day and time is most convenient for them. They are also provided the option of having the exam completed at their home, work or at one of our patient service centers.

Recently, ScriptCheck was updated to be included in the interview. Now, if clients decide to participate, interviewers can pull previously disclosed medications out of a prescription database. ScriptCheck is then ran when the order hits the system, transmitting those results back into the interview platform.  The results are available to the interviewers on the medication questions throughout the interview.  This allows us to track which medications were disclosed during the interview, then at the end we can ask directly about any medications not disclosed.

We have received valuable feedback from applicants who have went through the interview process.

“…thank you, that was less painful.”

“…I appreciate you explaining everything to me.”

“…thank you for your patience. It has been difficult for me in the past trying to get this done. I really appreciate this.”

We continue to find ways to improve this part of the process for the applicant, the home office and the agent.

Prescription Drug Misuse In America

by Quest Diagnostics Press Release on July 22, 2014

Drug2The abuse of prescription painkillers and narcotics has grown into a bonafide public health crisis, affecting virtually every state, city and small town in the United States.[1] Nearly half of the roughly 40,000 drug overdose deaths in 2010 involved pain medications, such as hydrocodone and oxycodone.[2] Approximately 2.1 million people are dependent upon or abusing opioid pain medications.[3] Even older Americans are at risk, with one in four adults 50 years of age and over using psychoactive medications—mostly opioids and benzodiazepines.[4]

We at Quest Diagnostics have learned through our conversations with healthcare providers that patients often fail to report their non-medical uses of drugs or of non-compliance with prescriptions to their physicians. Prescription drug misuse falls into every age range, among both men and women, and across socioeconomic strata. Because misuse is difficult to predict or detect,many healthcare providers are hesitant to prescribe pain medications even when indicated.

Quest Diagnostics Health Trends is a series of reports produced by Quest Diagnostics based on our database of de-identified laboratory testing data across the U.S. In 2012, we issued our first Quest Diagnostics Health Trends Report on prescription drug misuse, “Prescription Drug Misuse in America: Laboratory Insights into the New Drug Epidemic”[5] and in 2013 we issued “Prescription Drug Misuse in America: A Report on Marijuana and Prescription Drugs.”[6] The current report is based on patients tested using the Quest Diagnostics prescription drug monitoring service. This service tests for commonly prescribed drugs, including pain medications, central nervous system medications, and certain illicit drugs such as marijuana, cocaine,and heroin.

Our 2014 report builds on our prior research and confirms the high rates of inconsistent test results among those prescribed pain medications and it spans all ages and both genders. This report also provides additional insights into the value of co-testing for heroin metabolites, 6-monoacetylmorphine andmorphine, and the importance of specimen validity testing. Together, these reports reflect analysis of 1,409,037 patient test results for the years 2011–2013. Urine specimens are screened by immunoassay-based methods and all positive results are confirmed by mass spectrometry, the most sensitive and specific drug testing method. The company’s Quest Diagnostics Health Trends studies are performed in compliance with applicable privacy regulations, the company’s strict privacy policies, and as approved by the Western Institutional Review Board.

Read the full study here

 

 

 

Four Steps to Improving the Life Insurance Buying Process

July 17, 2014 Carriers

During a recent flight home from an industry event, I sat in my seat re-reading my previous “State of the Industry” blogs. A common theme resonated throughout each of them – Simplified Process.  I am passionate about a simplified process because it is what our applicants tell us they want. What Should A Simplified Process […]

Read the full article →

ExamOne Portal: One Account with Multiple Users… Not a Problem!

June 16, 2014 Producers

The new ExamOne Portal has many exciting features that help our clients manage their business more efficiently.  One of these features is the ability to add multiple users on an account with each user receiving unique login credentials.  Whether it is an agency with multiple case managers or an agent with an assistant, the ExamOne […]

Read the full article →

ExamOne Portal: Allowing Agents to Spend More Time With Applicants

June 9, 2014 Producers

The new ExamOne Portal has a fresh feel with great user-friendly functionality. The customizable dashboard has made it so much easier for agents to stay on top of everything. They are able to choose what information they want to see upon log in and pick where they want it displayed. Agents can see  recent orders, […]

Read the full article →

ExamOne’s New Online Ordering Site: Designed to Save You Time

June 2, 2014 Producers

As we continue to refine our processes in 2014, we are introducing our new online ordering site, the ExamOne Portal. This new platform combines our suite of services into one Portal.   The user-friendly portal gives you a single, easy-to-use and consistent interface across all lines of services, to include paramedical examinations, laboratory testing, data services, […]

Read the full article →

Come meet the ExamOne MVPs at AHOU!

April 29, 2014 Carriers

Our National Sales Team is geared up and ready to leave for AHOU!  Don’t forget to stop by Booth 123 to visit with our MVPs. You will be able to check your blood pressure on the iPad, see what we are doing with reflex testing, take a “tour” of our new St. Louis laboratory facility, […]

Read the full article →

Mystery Shopper Pilot Reveals High Scores

December 19, 2013 Producers

Last week’s blog introduced our Mystery Shopper Program that was launched this year and how it has helped improve the overall quality and applicant’s experience. Since July, 111 assessments have been completed. We are pleased with our results from this pilot, scoring 90% or above in the overall rating, the paramedical exam and examiner interaction. […]

Read the full article →

Mystery Shopper Program helps improve Quality

December 9, 2013 Carriers

ExamOne places an immense emphasis on quality, and we’ll continue to do so in 2014. An inaccurate result can jeopardize the relationship between a producer and a client. A broker, who has a choice of which insurers to work with, may opt not to use insurers that have unreliable underwriting. Our new Mystery Shopper Program […]

Read the full article →

What’s new for ExamOne in 2014?

November 21, 2013 Producers

We continue to prepare for our pilot phase of the ExamOne Portal. This new web application will replace our existing ordering websites and create a unified, next-generation experience for our client users to view orders, statuses, and results. As we continue to enhance the ExamOne Portal, additional functionality will be incorporated to facilitate the management […]

Read the full article →